Credit Risk Manager

Join one of the UK's fastest growing and award-winning banks.

We are a team of ambitious, passionate, hardworking, and committed people who have successfully created and launched one of the UK's newest specialist property finance banks. As we embark on an exciting journey of growth, we are seeking exceptional new team members who possess both the ambition and drive to contribute to our vision. At GB Bank, we believe that career progression should not only be achievable but accelerated, enabling our employees to reach their potential in a supportive and dynamic atmosphere.

Our environment is fast-paced and collaborative, where your efforts are recognised, rewarded, and make a tangible impact. We take pride in fostering and open and inclusive culture that not only embraces change but also encourages continuous learning and professional development.

The Credit Risk Manager is a new position within the Second Line team, playing a key role in delivering comprehensive oversight across the credit risk lifecycle. Overall, the role will support the Senior Credit Risk manager in developing, implementing, and maintaining a strong credit risk management framework. Working closely with cross-functional stakeholders, you will help safeguard the business from excessive risk while supporting the achievement of its defined risk appetite.

Recognised as a subject matter expert in your area, you will be expected to support the Senior Credit Risk Manager, the wider Second Line team and First Line teams, with credit risk knowledge.

• Supporting the development and continuous improvement of the credit risk analytics including the choice of internal / external data, analytical tool, production of dashboards / outputs

• Supporting the Senior Credit Risk Manager in the delivery of 2LOD risk reporting

• Maintaining awareness of key business activities and emerging risks, identifying areas where further second line of oversight / activity may be required.

• Ongoing development of the Bank's credit risk appetite capabilities (limits, monitoring, etc.)

• Monitoring the lending book performance against established Risk Appetite KPIs

• Development of Credit Committee reporting and MI suite

• Oversee the preparation of data and analytics as per the Bank's Credit Risk Roadmap Supporting credit risk reporting to the Executive Committee, Risk Committee and Board

• Supporting stress testing and other necessary analysis within the ICAAP, ILAAP, Recovery Plan and SWDP

• Providing oversight of credit risk aspects of regulatory reports and returns

• Managing and building internal relationships with key functions within the business

• Attending risk and governance committees as required

• Provide ongoing risk input and support for projects

• Providing Line 2 advice and challenge to all business areasregarding risk management

• Conduct reviews and challenge of departmental process level risk assessments

• Resilient and an ability to adapt and work in a fast-paced environment of change and ambiguity
• Excellent written and verbal communication skills, capable of conveying complex regulatory concepts to non-specialist stakeholders
• Detail oriented and focused with the ability to manage multiple competing priorities and stakeholders
• A drive to provide quality output as part of a high-performing team
• Ability to consistently meet deadlines and understand changing priorities throughout the month
• Strong attention to detail is essential
• Experience of working within a regulated financial services environment
• An analytical thought process, with excellent quantitative analysis skills
• Strong analytical skills and a curious mind (familiarity with Power BI is a prerequisite)
• The ability to draw conclusions based on analytic results, and present complex concepts and results in a way tailored to the audience
• Excellent problem-solving skills and attention to detail
• Strong communication and interpersonal skills, with the ability to collaborate effectively with cross-functional teams and senior executives

• 8% company pension contribution and 3% individual contribution (which you can opt to increase)

• 25 days holiday every year plus bank holidays on top

• Private medical cover with BUPA - includes no excess + you can add family through salary sacrifice

• Death in service at 4 x base salary with Aviva

• Mental health support - through a helpline and counselling sessions

• Enhanced maternity, paternity and adoption leave

• Location: London with a strong office presence
• Salary: Competitive
• Hours: 35 Hours per week

We are an equal opportunities employer and positively encourage applications from suitably qualified and eligible candidates, regardless of their age, sex, race, disability, sexual orientation, gender reassignment, religion or belief, marital/civil partnership status, or pregnancy and maternity.

At GB Bank, we value privacy and data protection rights. We have longstanding data protection culture and promote robust ethical standards in data management. Please read our Privacy Notice in relation to our recruitment activities before submitting your application to work with us.